It's not just WalMart, and it probably wasn't even WalMart's Credit Card. They contract credit operations out to other companies to service, but badge them with each store's logo. It's often Wells Fargo, and they're just nasty people to deal with.

I had a "same as cash" with HP's card (which was not serviced by HP) for an HP computer I purchased. I had been aggressively paying it off each month, but one of the payments was a few days late, because the bill got lost in the mail. I received a notice of a $35 fee and full back interest. It turns out it's all in the fine print of the agreement. They know (and I think expect) that most people will probably be late (even one day late) with a payment; doesn't matter that you've consistently been paying it down with 3 or 4 times the normal payment (which under normal plans means you may not even have a payment that month). But the "same as cash" (or no interest) offers specify that a certain payment must be made every month.

It's one of the ways they make their money and they know it.

By the way, for my problem, I called the servicing company and argued with them for an hour. They ended up taking the charges off, at which point, I sent in a check for the remaining balance and called them to close the account, never to to business with them again.

John

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